Should You Build or Buy B2B Deposit Payments on Shopify Plus?
Customizing wins for B2B deposit payments on Plus: native payment terms already require a percent-based deposit on net-terms orders, and deposit requirements are available only on the Shopify Plus plan (verified Sep 2026). The gap is the balance. Payments aren't automatically captured when terms expire, so someone charges the stored card by hand. Automate that capture for $10,000 to $25,000 (Deploi estimate, illustrative). Both purpose-built B2B deposit apps showed 0 reviews.
Your profile — see how the verdict shifts
- Confidence
- High — Read Shopify's B2B payment-terms page on 2026-09-05: deposit requirements are available only on the Shopify Plus plan; the term options are No payment terms, Net 7 through Net 90, Due on fulfillment and Fixed date (draft orders only); and payments aren't automatically captured when the payment terms expire, so a saved card must be charged manually in the admin. Browsed apps.shopify.com/categories/selling-products-payments and searched the App Store sitemap for B2B deposit, payment and terms combinations the same day. Two purpose-built listings exist, Tenor: B2B Payment Terms at $29/month and B2B Terms & PO Guard with a free plan and $19.99 and $49/month tiers, and both showed 0 reviews (verified Sep 2026). Fetched the full listings of the three well-reviewed deposit apps a merchant finds first, SPD Split Payment & Deposit (4.7★, 140 reviews), Downpay (5.0★, 92) and Deposit & Partial Payment Depo (4.5★, 99), and searched each for 'B2B', 'wholesale', 'net terms' and 'company account': zero hits beyond category navigation. The native feature is the deposit; the unmet need is the balance.
- Reference scenario
- $20M–$100M GMV · Shopify Plus · made-to-order or large-ticket wholesale · 30% deposit, balance on delivery · 100–500 terms orders a month · buyers with a stored payment method · agency dev bench
- As of
- September 2026
Decision at a Glance
| Your profile | Verdict | Why |
|---|---|---|
| Not on Plus | BUILD | Deposit requirements and partial payments don't exist on Basic, Grow or Advanced, and both apps claiming them at B2B checkout have 0 reviews. Invoice the deposit as its own draft order and the balance from your accounting system until a second Plus-only need justifies the plan. |
| Plus, under about 30 terms orders a month | WAIT | Set the company's deposit percent, put the balance on Due on fulfillment, and charge the stored card from the admin when the order ships. At this volume the manual capture is a ten-minute weekly job, and the automation isn't worth its upkeep. |
| Plus, 100+ terms orders a month with stored payment methods | CUSTOMIZE | Hundreds of manual captures a month means missed balances and month-end surprises. Keep the native deposit and automate the balance capture on the fulfillment event, with a reconciliation report for the ones that fail. |
| Milestone schedules (30/40/30) or deposits on DTC orders | BUILD | Native B2B deposits take one percent-based deposit on a net-terms order, and partial payments are limited to B2B and draft orders. A three-stage schedule or a consumer deposit needs its own flow, not a setting. |
What B2B Payment-Terms Deposits Actually Drives
| Outcome | Impact | How it works |
|---|---|---|
| Revenue — direct | High | A 30% deposit on a made-to-order run converts a verbal commitment into cash before materials are bought, and an automated balance capture turns each shipment into a payment instead of a receivable. |
| Operational efficiency | High | Every balance captured on the fulfillment event is a manual admin charge nobody performs and an Overdue order nobody chases at month-end. |
| Customer experience | Medium | Buyers see the deposit, the terms and the balance on one order rather than two invoices from two systems, which is what a purchasing department expects from a supplier. |
| Data & insight | Medium | Deposit taken, balance due and balance captured all sit on the Shopify order, so days-to-collect per company becomes a report rather than a spreadsheet. |
Spend ceiling: Size the spend to your balance exposure, not the software. If shipped-but-unpaid balances average $40,000 at any moment (illustrative), a $10,000–$25,000 capture job (Deploi estimate, illustrative) pays back on the first quarter of balances that would otherwise have waited for month-end.
What buying enables (top apps)
- + Custom net terms beyond Net 90 per company and per-order overrides at native B2B checkout, which native terms don't offer (Tenor, verified Sep 2026)
- + PO number, deposit and net-terms validation at checkout as a guard rail your reps can't skip (B2B Terms & PO Guard, verified Sep 2026)
- + A same-week install with a free plan or a $19.99–$29/month fee (verified Sep 2026), if you accept 0-review vendor risk
- + Consumer deposit flows for DTC pre-orders, where partial payments aren't native on any plan
What building additionally unlocks
- + Automatic balance capture on the fulfillment event, which Shopify never does on its own
- + A defined decline path: retry window, emailed invoice, and a hold on the next order
- + A daily overdue report by company with days outstanding and stored-method status
- + Milestone schedules beyond one deposit, for projects billed in three or more stages
Find Your Verdict in 3 Questions
Are you on Shopify Plus?
Yes: Go to question 2.
No: Your verdict: BUILD — deposits and partial payments are Plus-only and both apps claiming them have 0 reviews; invoice the deposit as its own draft order and the balance from accounting until Plus is justified.
Is one percent-based deposit at checkout, with the balance on fulfillment or a net term, the whole requirement?
Yes: Go to question 3.
No: Your verdict: BUILD — milestone schedules and DTC deposits fall outside native B2B deposits; scope a staged-invoice flow ($10,000–$25,000 and up, Deploi estimate, illustrative).
Do you charge more than about 30 stored cards a month from the admin to settle balances?
Yes: Your verdict: CUSTOMIZE — keep the native deposit and automate the balance capture on the fulfillment event with a reconciliation report ($10,000–$25,000, Deploi estimate, illustrative).
No: Your verdict: WAIT — set the company deposit percent, put the balance on Due on fulfillment, and capture from the admin weekly; the automation isn't worth its upkeep yet.
The TCC Scorecard — 12 Dimensions
TCC — Total Cost of Capability: what it actually costs to have this capability over three years, whichever way you get it. Each dimension is scored 0–5 for both paths. How we score →
| Dimension | Buy | Build | Why |
|---|---|---|---|
| Cost | |||
| Acquisition & implementation | The native deposit is a per-company setting on Plus; an app installs in a day; the capture automation and reconciliation report run 3–6 weeks (Deploi estimate, illustrative). | ||
| Recurring fees | $19.99–$49/month for the two purpose-built apps (verified Sep 2026) is small; the build's recurring line is upkeep only, and the native deposit is included with Plus. | ||
| Maintenance & upgrades | A 0-review vendor's roadmap is unknown, so its maintenance is your risk; the capture job needs an API version bump inside Shopify's 12-month window and a gateway re-test when payment methods change. | ||
| Switching & exit | Deposit rules configured in an app leave with the app; native deposit settings and orders stay in Shopify whether the capture job runs or not. | ||
| Risk | |||
| Vendor risk | Both B2B deposit listings showed 0 reviews and no market validation (verified Sep 2026), which is the highest vendor risk on the scorecard; the native feature is Shopify's own. | ||
| Security & compliance surface | A deposit app sits in the payment path of your largest orders; a first-party capture job touches stored payment methods only through Shopify's own API and never sees card data. | ||
| Platform-deprecation exposure | Native payment terms and deposits are current B2B primitives; anything an app injects into checkout depends on checkout UI extensions Shopify keeps revising. | ||
| Value | |||
| Fit to requirement | One deposit percent and a balance on fulfillment is exactly the native model; the build adds the automatic capture, the retry and the report that native doesn't have. | ||
| Time to market | The native deposit is live today; an app claims a same-week install; the capture automation is about a month out. | ||
| Performance & scale | Manual capture scales with headcount; an event-driven capture job handles 500 balances a month the same way it handles 50. | ||
| Data ownership & AI-readiness | Deposit taken, balance due and balance captured all live on the Shopify order when native and the job do the work; an app may hold its own ledger of which orders it touched. | ||
| Focus & opportunity cost | A capture job is small, bounded and unglamorous, which makes it a good first automation and a poor place to spend a quarter. | ||
The App Landscape
| App | Status | Pricing | Best for |
|---|---|---|---|
| Shopify B2B payment terms and deposits | Native — First-party Shopify. Terms run No payment terms (due immediately, the default), Net 7, Net 15, Net 30, Net 45, Net 60, Net 90, Due on fulfillment and Fixed date (draft orders only). Customer-specific deposits require a percent-based deposit on net-terms orders and are available only on the Shopify Plus plan. Payments aren't automatically captured when terms expire (verified Sep 2026). | Included with Shopify Plus, which starts at $2,300 USD/month (verified Sep 2026) | One percent-based deposit at checkout with the balance on terms, on Plus |
| Tenor: B2B Payment Terms | Live — flagged — 0 reviews; a brand-new listing with no market validation yet, though it carries Built for Shopify status. Lists custom net terms beyond Net 90 per company, an optional per-company deposit percent and per-order term overrides at Shopify-native B2B checkout. Purpose-built for this exact question, which makes it worth a watch rather than a bet. | Standard $29/month, 3-day free trial (verified Sep 2026) | Terms beyond Net 90 per company, once the listing has reviews behind it |
| B2B Terms & PO Guard | Live — flagged — 0 reviews; brand-new. Validates PO numbers, deposits, net terms and order review for Shopify-native B2B checkout on the Pro tier, with D2C no-op behavior handling on Advanced. A checkout guard rather than a payment collector: it checks the rules, it doesn't capture the balance. | Free plan; Pro Monthly $19.99/month; Advanced Monthly $49/month; 7-day free trial on paid plans (verified Sep 2026) | Enforcing PO and deposit rules at B2B checkout, after reviews arrive |
| Consumer deposit apps (SPD, Downpay, Depo) | Category — The well-reviewed deposit apps a search for 'deposit' surfaces first: SPD Split Payment & Deposit (4.7★, 140 reviews), Downpay (5.0★, 92) and Deposit & Partial Payment Depo (4.5★, 99). All three are DTC checkout tools; their full listings contain no B2B, wholesale, net-terms or company-account language (verified Sep 2026). A trap for this specific question, not a shortlist. | Listed pricing not carried here; none of the three addresses B2B company checkout | Pre-order and made-to-order deposits on consumer orders, where partial payments aren't native |
The Build Path
- Take the deposit natively: On Plus, set the deposit percent on each company that pays in stages and put the balance on Due on fulfillment for delivery-billed work or a Net term for invoiced work. Draft orders on Plus support deposit requirements too, which covers the phone and email orders your reps key. The deposit is the part Shopify already does well; don't rebuild it.
- Automate the balance capture: When the fulfillment event fires, a small service charges the buyer's stored payment method through the Admin API and records the payment against the order, retrying on a schedule and falling back to an emailed invoice when no method is stored. Shopify Flow can start it: the Send HTTP Request action is available on Plus, Advanced and Grow, waits up to 30 seconds for a response, and retries for up to 24 hours. Confirm the mandate-payment path covers your gateway before scoping.
- Reconcile, because capture is never guaranteed: Shopify never auto-captures when terms expire, so a daily report of orders past their due date with an unpaid balance is the control finance actually wants. List the order, the company, the days overdue and whether a stored method exists, and route the exceptions to a person.
- Effort band
- $10,000–$25,000 for the capture service, retry logic, invoice fallback and reconciliation report — Deploi estimate (illustrative); lands in the $10–25K contact-form band
- Typical timeline
- 3–6 weeks, with the reconciliation report shippable in the first week (Deploi estimate, illustrative)
- Maintenance, honestly
- ~15–20% of build cost per year (Deploi estimate): roughly $1,500–$5,000/yr (Deploi estimate, illustrative) covering gateway changes, new term structures, and moving the integration forward before an API version sunsets on Shopify's 12-month support window.
- What you own — and what you take on
- You own: the deposit rules as native Shopify settings, every payment on the Shopify order, and the overdue report. You take on: the capture job's freshness, and the decision about what happens when a stored card declines on a shipped order.
3-Year Total Cost of Capability
| Buy (app path) | Build (custom path) | |
|---|---|---|
| Year 0 (setup) | $0–$1,000 (install and per-company configuration) | $10,000–$25,000 |
| Years 1–3 (recurring) | $720–$1,764 | $4,500–$15,000 (upkeep) |
| 3-year total | ≈$700–$2,800 | ≈$14,500–$40,000 |
- † All figures illustrative samples for the reference scenario — not quotes, not verified pricing.
- † Buy column: one purpose-built B2B deposit app at $19.99–$49/month held flat for three years (listed prices verified Sep 2026; the arithmetic is illustrative). Both listings had 0 reviews, so the column prices an unproven product.
- † Build column: native Plus deposits (configuration only) plus the capture service, invoice fallback and reconciliation report; three-year horizon.
What the Sticker Price Hides
On the buy path
- — Both purpose-built B2B deposit listings showed 0 reviews when checked, so there's no independent evidence either one works at your checkout (verified Sep 2026)
- — The popular deposit apps are consumer tools: SPD, Downpay and Depo carry no B2B, wholesale, net-terms or company-account language on their listings (verified Sep 2026)
- — A checkout guard validates the deposit rule; it doesn't collect the balance, so the manual capture step survives the install
- — A 3-day trial on a payments app is too short to see one order through deposit, fulfillment and balance
On the build path
- — Payments aren't automatically captured when terms expire, so any capture logic you don't build is a balance somebody forgets (verified Sep 2026)
- — A stored card that declines on a shipped order needs a defined path: retry, invoice, hold the next order, or all three
- — Deposit requirements are Plus-only, so a non-Plus merchant's first cost is the plan, which starts at $2,300 USD/month (verified Sep 2026)
- — ~$1,500–$5,000/yr upkeep as gateways, terms and API versions change (Deploi estimate, illustrative)
What Merchants Say
Wholesale finance teams describe the deposit arriving cleanly at checkout and the balance sitting as Overdue for weeks, because charging the stored card is a manual admin step nobody owns until month-end.
The low-star pattern on deposit apps is the second payment: the deposit works, then the balance request goes unnoticed or fails quietly and the merchant finds out from the accountant.
If You Change Your Mind Later
If you bought and outgrow it
Leaving a deposit app is cheap in data and expensive in process: deposit rules configured in the app vanish on uninstall, while every order it touched stays in Shopify with its payments intact. Re-create the rules as native per-company deposit percents on Plus, and expect a week of double-checking which in-flight orders still owe a balance. With a 0-review vendor, write the exit plan on the day you install.
If you built and want out
Nothing strands. The deposit is a native setting, every payment sits on the Shopify order, and the capture job can be switched off without touching either. If a proven app appears later, it inherits the same orders and companies. The exit cost is the job itself, which rounds to a few days of work.
When This Answer Changes
We're watching for:
- ▸ Tenor or B2B Terms & PO Guard passing about 30 reviews, which would give the buy lane its first real evidence
- ▸ Shopify adding automatic capture when payment terms expire or when an order is fulfilled, which would remove the build lane entirely
- ▸ Deposit requirements or partial payments arriving on Advanced, which changes the plan math for non-Plus wholesalers
Verdict change log:
No changes since first publication (September 2026).
Common Questions
Can Shopify collect a deposit on a B2B order?
Yes, on Shopify Plus. Native payment terms require customers to pay a percent-based deposit for orders on net payment terms, and deposit requirements are available only on the Shopify Plus plan (verified Sep 2026). The term options are Net 7, Net 15, Net 30, Net 45, Net 60, Net 90, Due on fulfillment and Fixed date for draft orders. Basic, Grow and Advanced get the net terms but no deposits and no partial payments.
Does Shopify automatically charge the balance when B2B payment terms come due?
No. Shopify's payment-terms documentation states that payments aren't automatically captured when the payment terms expire, and that a saved credit card must be charged manually in the Shopify admin (verified Sep 2026). The order shows as Overdue and waits. Automating that capture on the fulfillment event, with a retry and a reconciliation report, is the build this page recommends at $10,000–$25,000 (Deploi estimate, illustrative).
Is there a Shopify app for B2B deposits and payment terms?
Two purpose-built apps exist and both showed 0 reviews when checked: Tenor: B2B Payment Terms at $29/month and B2B Terms & PO Guard from free to $49/month (verified Sep 2026). The well-reviewed deposit apps a search surfaces first, SPD Split Payment & Deposit, Downpay and Deposit & Partial Payment Depo, are consumer checkout tools whose listings contain no B2B, wholesale or company-account language. Treat them as a trap for this question.
Your Next Steps
If you're going with CUSTOMIZE(matches your selected profile)
- Set the deposit percent on every company that pays in stages and move their balance terms to Due on fulfillment
- Pull last quarter's Overdue orders and count how many had a stored payment method that was never charged
- Ship the daily overdue report first, because it fixes the visibility problem before any code touches payments
- Build the fulfillment-triggered capture with retry and an invoice fallback, and confirm the gateway path on one test order
- Define the decline path in writing: retry window, invoice, and whether the next order holds
If you're going with WAIT
- Configure per-company deposit percents on Plus and put balances on Due on fulfillment or a net term
- Name one owner for a weekly capture pass in the admin and a monthly review of Overdue orders
- Ask any deposit app you evaluate, in writing, whether it captures the balance or only validates the rule
- Re-check the two purpose-built listings once they pass about 30 reviews
- Revisit the build the month manual captures pass about 30 a month
Official Docs & Sources
- Setting up payment terms in B2B — Shopify Help Center
- B2B features by plan — Shopify Help Center
- B2B draft orders — Shopify Help Center
Official documentation linked for verification — our verdicts and estimates are our own.
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Ready to stop chasing the balance by hand?
Plus already takes the deposit. We build the capture that fires when the shipment leaves, the retry and invoice fallback for the cards that decline, and the overdue report finance asked for months ago.
Contact us todayVerdict scored for the reference scenario above. Estimates are not quotes; app pricing carries its verification date and gets re-verified quarterly. Full scoring anchors: see the TCC methodology.
Read how we score these decisions (the TCC Framework). No affiliate links, no paid placement — no app vendor pays to appear here.